Starmount Life Insurance Company Review (2024)

If you’re searching for a life insurance policy, you may want to read some Starmount Life Insurance reviews and learn more about the company.

Starmount Life Insurance offers different life insurance products, along with dental and vision coverage in partnership with Unum. With Starmount, you may be able to find a life insurance policy that works for you and meets your needs and the needs of your loved ones.

As you shop around for life insurance coverage, be sure to find and compare several different companies using an online life insurance quote tool before making a final decision. This will help you find the ideal coverage at an affordable price rather than paying too much for a life insurance policy.

You can use our free quote tool above to find and compare life insurance rates from different companies in your area today.

What products does Starmount Life offer?

Starmount Life Insurance Company’s website does not provide any details when it comes to the types of life insurance options and policies the company offers. The website does not make it clear whether individuals can purchase policies directly from Starmount or whether they need to purchase life insurance as part of a group plan with the company.

Starmount Life Insurance Co. does mention on the company website that it offers both Starmount dental and Starmount vision plans in partnership with Unum.

Though Starmount’s website is not very helpful when it comes to information about specific products the company offers, a flyer of the company’s products found online mentions the following options when it comes to Starmount Life Ins. Co. group insurance plans through an employer:

• Dental insurance
• Vision insurance
• Critical illness insurance
• Accident insurance
• Life insurance
• Disability insurance

Starmount does also offer a few options for individuals. These insurance options include:

• Dental insurance
• Vision insurance
• Modified whole life insurance
• Jumbo accidental death insurance
• Accidental death and dismemberment insurance
• Youth life insurance

In addition to the options through a group plan or with individual policies, Starmount Life offers a few extra benefits and services, including:

• Hearing savings plan
• Fully insured hearing rider
• Health advocacy program
• Employee assistance program

Depending on what you’re looking for, you may be interested in some of Starmount’s products listed above. If that’s the case, you can call the company directly and speak with an agent who can give you more information.

What is included in Starmount’s group life plans?

If you purchase life insurance with Starmount through a group life plan, you have the option of purchasing either a basic or voluntary life insurance policy.

Each of these options offers flexible coverage potential, a guaranteed issue regardless of your current health status or your family’s health history, and optional accidental death and dismemberment coverage for potential added life insurance benefits.

Starmount states that its overall goal is to help protect families and loved ones from financial distress after losing someone they love. The goal with these coverages is to do just that, ensuring that beneficiaries receive the death benefits of the policies when they need them the most.

If you purchase an individual life insurance policy with Starmount, you can receive up to $75,000 in a modified whole life insurance policy up to age 120 or a term life insurance policy up to age 95. Individual life insurance policies offer both a living benefit and a cash value accumulation over time. Individual policies do require clients to answer a few health questions and potentially take a medical exam.

If you’re looking for more life insurance options, you can always call Starmount to get specific information and ask for a quote. But be sure to continue to shop around for a life insurance policy in order to avoid paying more than you need to for coverage.

How much is life insurance with Starmount?

Life insurance policies with Starmount will vary based on a variety of factors. The most common factors that impact a person’s life insurance rates include:

• Age
• Gender
• Policy type
• Policy amount
• Health status
• Health history
• Family health history
• Occupation
• Lifestyle
• Tobacco use
• Marital status
• Location

It’s hard to know how much you would pay for life insurance until you compare quotes from multiple companies. The table below shows average monthly life insurance rates for a $30,000 whole life insurance policy for men.

As you can see, rates vary from one company to the next. This is the same when it comes to a whole life insurance policy for women as well as a term life insurance policy for either men or women.

When you shop around for life insurance coverage, you may find that rates with Starmount are higher or lower than rates you get from other companies. This could be for a number of reasons. But you can always speak to a company representative to see if you are eligible for any discounts on life insurance coverage with Starmount.

Does Starmount Life Insurance have good ratings and reviews?

Starmount has received an A (Excellent) rating and a stable outlook for future endeavors from A.M. Best. Starmount also has an A+ rating with the Better Business Bureau (BBB). The BBB website does show a few negative customer reviews and complaints, but Starmount seems to do a good job addressing and ultimately closing customer complaints.

If Starmount seems like a life insurance company that will work for you, it’s a good idea to learn more about your options for life insurance coverage and what your rates would look like with the company. It’s also a good idea to find and compare similar coverage options with other companies to make sure you’re getting the best deal you can get.

In fact, you can use our free quote tool below to find and compare life insurance rates from some of the best companies in your area today.